number one, if you've got health insurance, it doesn't mean a government takeover. you keep your own insurance. you keep your own doctor. number two, if you don't have health insurance, we're essentially setting up a group plan that allows you to benefit from group rates that are typically 18 percent lower than if you're out there trying to get insurance on the individual market. >> another key change coming on january first, 2014, businesses with 50 employees or more will be required to provide insurance. otherwise, they'd be fined two thousand dollars for every employee, after the first 30. the idea is to cover sick people with the premiums healthy people pay. but at what cost? >> the number of small businesses i've gone to that are saying they're dropping insurance because they can't afford it, the cost of health care is just prohibitive. and we've got to deal with cost. >> the affordable care act defines all the benefits that an insurance plan has to cover. what that means is that all the states are saying insurance plans that sell in their states have to cover